David MedinaRunning a company comes with a lot of moving parts. But keeping your assets protected should always be a top priority.
You might already be working with financial advisors in El Paso to protect your hard-earned revenue or debt collectors in El Paso to manage your outstanding accounts.
The next step is finding a reliable business insurance provider in El Paso who can help you navigate complicated coverage options without overpaying.
If you need general liability or highly specific coverage for a commercial fleet, the local market has options for every industry. We broke down the top options to make your choice easier.
How much does business insurance cost in El Paso?
Commercial coverage rates in the local area change quite a bit depending on your industry and specific vehicle operations.
| Policy Type | Average Annual Cost | Average Monthly Cost |
| General Liability & Commercial Property | $500 – $3,000 | $41 – $250 |
| Business Owner’s Policy (BOP) | $960 | $80 |
| Commercial Truck Insurance | $8,000 – $18,000 | $666 – $1,500 |
1. Mt. Franklin Insurance
Website: https://mtfranklin.com/
Address: 122 Thorn Avenue
Contact: (915) 599-2900
Hours: Monday to Friday: 8:30 AM–5:30 PM
Protecting a growing company gets a lot easier when you have experienced guidance on your side. That’s why Mt. Franklin Insurance focuses on bundled protection packages built for local businesses.
This agency was founded in 2010 by second-generation insurance businessman Bill Carvajal and Shane Lipson.
When I spoke directly with their team last month, they explained how their dedicated in-house client service experts handle every account. They even offer specialty excess and surplus (E&S) lines for hard-to-place assets.
And I love how they proactively review your coverage details 60 days before your renewal date to keep policies accurate.
But because they prioritize personalized consultations, they don’t offer instant automated quoting software. If you prefer handling everything online without human interaction, the onboarding process feels quite slow.
Great experience
My experience with Mt. Franklin has been for about 10 years and has always been great. They handle both my personal and business insurance needs. They are always on top of my renewals and if there are any concerns, they have been addressed within adequate time and in a professional manner. Kimberly Allen does a fantastic job taking care of my business insurance. I am looking forward to our continued association.
Lucy Molinar | Google Review
Highly recommend
Great experience, very professional and knowledgeable. Not only did Monica helped me in getting the best price on my home and auto insurance, but so did Bernadette for my business insurance. I highly recommend them both and Mt Franklin. Again thank you both for all your help.
julio cesar espinoza | Google Review
2. Victory Insurance Services
Website: https://www.victoryinss.com/
Address: 1790 N Lee Trevino Suite 316
Contact: (915) 217 2100
Hours: Monday to Friday: 9:00 AM–5:00 PM
Operating a high-risk company in sectors like energy requires highly specific financial protection against unexpected site accidents.
Victory Insurance Services stands out by offering comprehensive commercial lines, including highly specialized oil well coverage to protect against severe well blowouts and equipment malfunctions.
They also handle environmental insurance for cleanups and take care of complex tasks like general contractor registration services directly. On top of that, their inland marine policies protect high-value tools on the road or at job sites.
However, this deep focus on heavy, high-risk industrial risks comes with a trade-off for smaller operations.
If you’re just running a quiet, low-risk retail shop down the street, their intense underwriting process can feel incredibly heavy-handed and unnecessarily complicated for your straightforward needs.
Excellent experience
I had an excellent experience working with Sandra, Emily, and Victor. They were all extremely helpful, professional, and patient throughout the entire process. Everything was explained clearly, and they made sure I had the right coverage. Highly recommend!”
Janeet Ortega | Google Review
Excellent customer service
On behalf of our team, we thank Sandra for her work. She proved to be a very efficient and knowledgeable person, answering our questions and providing us with what we needed. We will definitely continue working with her.
We chose Victory Insurance because they responded immediately with excellent customer service, provided proposals on the spot without unnecessary hassle, offered the best price for our type of business, and can work with several services that we required. Definitely a “One Stop Shop.”
Roldan velazquez | Google Review
3. The Insurance Guys Brokerage LLC
Website: https://www.theinsuranceguysllc.com/
Address: 2300 George Dieter Dr.
Contact: (855) 467-4899
Hours:
Monday to Friday: 9:00 AM–8:00 PM
Saturday to Sunday: 11:00 AM–6:00 PM
Building a lasting relationship with a professional who supports you through tough situations makes a massive difference when filing an insurance claim. This is exactly where The Insurance Guys Brokerage LLC shines.
They’re known for providing customized commercial solutions with a strong emphasis on active assistance during claims reporting.
I love that they partner with a large network of providers to track down competitive bids for diverse properties ranging from medical offices to local farmland.
A business owner I know who uses them mentioned that their team genuinely stands by you during the stressful parts of a claim.
But you should know that their model relies heavily on face-to-face partnerships. If you prefer a completely digital, app-based experience without frequent in-person discussion, you might find their high-touch style a bit too interactive.
Exemplary customer service
Rodrigo was absolutely wonderful to work with. Not only was he able to get me more coverage with a lower monthly premium, but he was very professional and answered all my questions. He walked me through the entire process, and I appreciate his exemplary customer service!
Andrea Ortiz | Google Review
Recommended
The Insurance Guys saved me time and money. They reviewed my options to get me the best price out there. On time service, professional and great customer service. I would recommend them to anyone needing insurance.
Mari Casillas | Google Review
4. TWFG – DelaFuente Insurance Services
Website: https://www.insuranceeptx.com/
Address: 1307 Wyoming Ave
Contact: (915) 444-2700
Hours: Monday to Friday: 8:00 AM–5:00 PM
Getting a commercial vehicle fleet on the road quickly requires an agency that moves at a fast pace. That’s why TWFG – DelaFuente Insurance Services focuses heavily on commercial trucking insurance for owner-operators and private carriers.
They pull competitive rates from a wide selection of business carriers to handle primary liability and motor truck cargo risks. They also write targeted commercial building policies for landlords dealing with multi-family habitation risks.
The main draw is their fast turnaround times on quotes alongside proactive account management.
But because their core strengths focus so heavily on the transportation and real estate sectors, they might not be the perfect match for everyone.
If you operate an industry completely outside of trucking or landlord housing, you’ll likely find fewer niche, specialized coverage programs tailored to your specific trade.
Recommended
TWFG – DelaFuente Insurance Services provides outstanding service to small businesses. Ulrich DeLa Fuente is an expert LISTENER and he works hard to find businesses the best coverage for outstanding rates.
I recommend this insurance agency to all of our business associates who would like OUTSTANDING SERVICE and affordable, quality insurance.
Khrystle Hopper | Google Review
Very Professional
I switched my commercial, auto and workers comp insurance with Ulrich and his team for my HVAC business and they provided me with superior service and educated me on all my exposures so that I could make an optimal and cost effective decision regarding my business risks.
I highly recommend Ulrich and his Farmers insurance office as they are very professional, prompt and knowledgable regarding risk mitigation.
O P | Google Review
5. Border City Insurance Services
Website: https://www.bordercityins.com/
Address: 1200 Golden Key Cir Ste 164
Contact: (800) 588-6895
Hours: Monday to Friday: 8:00 AM – 5:00 PM
Operating as an independent boutique agency for over 20 years, Border City Insurance Services specializes in commercial transportation and small business protection.
Their team moves remarkably fast, guaranteeing the issuance of commercial truck insurance certificates within a single hour during regular business hours.
They also unlock access to exclusive carriers, offering niche lines like refrigeration breakdown and cross-border North American Free Trade Agreement (NAFTA) coverage.
And I love how they back this up with immediate claims support for their transport clients.
However, you should keep in mind that their operations tilt heavily toward the shipping sector. If your business is completely unrelated to transportation, you might feel like their main focus and specialized resources lie elsewhere.
Good service
When I recently visited Border City Insurance to ask questions about Commercial Truck Insurance for my Hot Shotting business, I was helped by Tanya. She was a pleasure to work with. She made the visit easy and educational by providing me with a wealth of information about my options. Although I’m still evaluating my options, the customer service I’ve experienced thus far has been considerably superior to that of other nearby competitors. I’ll see to it that Border City Insurance gets my business.
Clemente Harwood | Google Review
Highly recommend
I have worked with this company for a few years and every time I need a quote, addition coverage, binders, changes etc. to our policy, I have always received a response if not immediately, in a timely manner. Customer service is important to everyone and very little companies take pride in what the do. Border City Insurance make sure customer service is their priority and I highly recommend them.
Ana Vasquez | Google Review
